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In case of termination of a previous health insurance plan, the subsequent plan may exempt the standard pre-existing condition. This is what is called portability. You will have portability if you lose group health plan coverage meeting the definition of a HIPAA eligible individual and you wish to purchase individual health insurance. However, it is important that you act quickly after thetermination of your group coverage in order to exercise your full rights under COBRA (Consolidated Omnibus Budget Reform Act). The Human Resources manager at your place of employment should make it a priority to inform you of all COBRA portability rights--it is that employer's obligation to do so, not your's to inquire.

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Q: What are the circumstances in which I will have portability?
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